Stamp Duty Calculator

Stamp Duty Calculator: Total your Tax

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    Stamp Duty Calculator

    Determine how much stamp duty you’ll pay on your new property.


    Your Stamp Duty is


    What is Stamp Duty?

    Stamp Duty Land Tax (SDLT), also known more simply as ‘tax duty’ is a tax paid on the purchase of property in England and Northern Ireland.

    You’ll most likely need to pay stamp duty if you:

    • Are buying a freehold property
    • Are buying a new or existing leasehold
    • Are buying a property via a shared ownership scheme
    • Are ‘transferred property in exchange for payment’.

    The exact amount of tax you’ll need to pay depends on whether your land or property is residential or non-residential/mixed, alongside its purchase price – with a number of set ‘bands’ and accordant rates in place.

    For those purchasing a residential property, different rates apply to:

    • First-time buyers (the group often have access to heavy discounts)
    • Additional home buyers
    • Non-UK residents

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    The rate of stamp duty or SDLT you’ll pay on your property purchase depends on a number of factors, including whether your property is residential, mixed-use, or commercial, the stamp duty ‘band’ your chosen property falls into, whether or not you already own one or multiple properties, and whether or not you fall into categories for reduction or exemption. 

    If you’re unsure as to how much stamp duty you may be due to pay, you can use our simple online stamp duty calculator to establish an informed guideline and budget. If you need further assistance or guidance with any aspect of stamp duty costs or mortgages, don’t hesitate to reach out to our team of experienced mortgage advisers for fee-free mortgage advice and consultations.

    The rate of stamp duty you’ll be set to pay on a UK house depends on a number of factors, including the county you live in (Scotland and Wales have slightly different schemes), whether your chosen property is residential or commercial/mixed-use, whether or not you already own and are planning on retaining other properties, and finally, which of the government’s pre-established tax bands your property falls into.  In some cases, you may be completely exempt from paying stamp duty – with current regulation in place for first-time buyers, those purchasing a property that they live in, and those purchasing a property valued at under £125,000 (residential).

    Stamp duty land tax, also known as SDLT or simply stamp duty, is a tax applied to those purchasing properties in England or Northern Ireland with a value over a specific threshold. The exact amount of stamp duty you’ll pay depends on a number of factors – primarily the predetermined tax band your property falls into. You’ll also have to consider whether on not this new property will be your only one – or whether you’ll be retaining any existing ones, which country your property is in, whether your property will be classed as residential or mixed-use, and whether or not you meet any of the requirements for stamp duty ‘discount’ or exemption. 

    If you’re unsure as to how much stamp duty you may be due to pay, you can use our simple online stamp duty calculator to establish an informed guideline and budget.

    Regulation introduced in November 2017 brought about changes to the way first-time buyers paid stamp duty (SDLT) – all of which are still relevant today. Currently, first-time buyers are fully exempt from paying stamp duty on properties with a value of up to £300,000, whilst first-time buyers purchasing a property priced at between £300,001 and £500,000 will pay 5% SDLT. First-time buyers opting to purchase a property priced at £500,000 or above will be subject to regular stamp duty rates. 

    You won’t need to take any action to ensure you qualify for stamp duty exemption. Instead, your solicitor should ensure that you meet all relevant requirements.

    If you’re unable to afford your stamp duty, borrowing the cost through your mortgage is a valid option. In order to do this, you’ll simply need to calculate your total stamp duty costs (this can be done using the simple calculator above) and increase the amount you’ll be borrowing through your mortgage in accordance with the final figure. 

    It’s important to remember that although you’ll be able to pay off your stamp duty bill using this method, you’ll be set to pay interest on the amount you’ve borrowed over the entire course of the mortgage. In addition, if your stamp duty costs are high, they may affect your LTV.